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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,714 | $73,863-46.2% | $143,797-72.4% | $68,490-42.0% |
| Participation rate | 100.0% | 66.7%+33.3pp | 80.3%+19.7pp | 67.9%+32.1pp |
| Annual return | -13.12% | 0.91%-14.0pp | -0.04%-13.1pp | -7.85%-5.3pp |
| Employer contribution / active EE | $9,216 | $3,185+189.4% | $4,952+86.1% | $2,597+254.9% |
| Participant deferral / active EE | $4,618 | $3,385+36.4% | $5,638-18.1% | $4,028+14.6% |
| Admin fee / account holder | $1,472 | $5,756-74.4% | $14,679-90.0% | $5,403-72.7% |